ZIP Code 95404 — Santa Rosa city, CA Demographics & Data

ZIP code 95404 covers Santa Rosa, CA in Sonoma County with a population of about 37,317.

At a glance, the area shows median age of 42.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 369, 707; U.S. House district CA-2; the SAN FRANCISCO - OAK - SAN JOSE media market.

Median household income in ZIP 95404 is about $102,802 — about 37% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 4.5%; 45.2% of adults with a bachelor’s degree or higher (about 11.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 11.7% of workers reporting work-from-home (about 3.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $865,900 — about 149% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,689 (about 45% above the U.S. median rent ($1,163)), and owner-occupancy near 59.3% (about 6.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95404 in Santa Rosa, CA, a household would need roughly $238,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $5,562. That is about 132% above the local median household income ($102,802), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Santa Rosa city, CA as Relatively High (composite score 99.1), which is among the highest nationally. The strongest component scores on US5 are flood (99.2) and wildfire (98.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Santa Rosa city, CA show little to no average snow and around 31.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,836 for ZIP 95404 (Santa Rosa city, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.